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Your credit report is a snap
shot of your financial history and will contain the following
information:
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Personal Information
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Your full name |
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Social Security number |
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Nicknames or aliases |
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Current and previous addresses |
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Current and previous employers |
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Birth date |
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Credit History |
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Lists all loans and credit lines in
your name for the last 7 years |
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Open Credit |
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All creditors currently reporting to
the credit bureaus, including account number, date opened,
loan amount, current balance, and monthly payment. |
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Closed Credit |
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Same as above with the exception that
the accounts have been closed by either the creditor or
the consumer. |
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Derogatory Credit |
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Creditors with whom you have had late
payments, collections, charge offs, repossessions or foreclosures. |
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Public Record Information |
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Legal judgments |
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Tax liens |
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Bankruptcy |
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Overdue child support |
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Most lenders will require any of the
above to have been satisfied before they will fund your
loan. |
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Inquiries
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A list of those who have obtained a
copy of your credit report within the past two years.
Inquiries indicate to other credit grantors that you have
applied for new credit that could result in additional
debt. |
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List of Creditors |
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All creditors you have ever done business
with including their name, address and phone number.
This is especially helpful if you need to contact any
of your creditors to correct or delete information off
of your report. |
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Credit Score |
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Not all credit reports contain this
information. If you are planning on ordering your own
credit report, be sure to order one with the credit score. |
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Credit Bureaus |
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A credit report is a factual record
of your credit history prepared by a credit bureau(s)
and used by creditors and lenders to determine your creditworthiness.
There are three national credit bureaus where you or your
potential creditors may get your information: |
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Equifax
Information Service Center - www.equifax.com
800-685-1111
P.O. Box 740241, Atlanta, GA 30374-0241 |
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Union Corporation – www.tuc.com
800-888-4213
Post Office Box 1000, Chester, PA 19022 |
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Experian
Information Solutions, Inc. – www.experian.com
888-397-3742
P.O. Box 2002, Allen, TX, 75013 |
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You are entitled to a free copy
of your credit report each year.
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